Bank of America Mortgage Reviews

Now we're in 2017. We just received another notice to up our mortgage payment by almost 40.00 by Dec. 1. I called the company to say that there is no way we are going to do that. A woman with the company answered my call. I explained the situation to her. I also mentioned that last year when we wanted to opt out, we were told to write a request letter that we never received a response to. She told me that she was going to transfer me to someone who could help me. I was on hold for approximately 40-45 minutes listening to crappy music, and every few minutes a recorded message would interrupt telling me how important my call was, and that someone would be with me shortly. I tried calling two more times after that, only to get the same thing. I left them a message in the contact section that ignoring me was not going to make me go away. According to the escrow info we received, we owed an extra 11.00 for the past year.

If you read the small print, it will say that they only have to send you the unused escrow if you pay 50.00 or more dollars per month. Nice way to keep your money huh? They should use it in anticipation of anything that might go up like insurance, taxes, etc. I will not play this game with them. I specifically told them that if there was any kind of shortage that we would pay the difference rather than have our payment go up. Now they want more, and we won't get it back if it's not used because it would be under the 50.00 range. So my question is, where is the money going? I smell a rotten red herring.

I then logged into my account online and messages BOA through their internal messaging system requesting a payoff. Received response saying they could only provide the payoff to the owner. I AM the owner! Blew someone's mind that I bought a house prior to being married, then changed my name, I suppose. I messaged them again. They say they'll fax it to me. I requested and provided another 24 hour fax number (along with my email address). Two days later, no fax.

I emailed again and told them to just mail me the statement. Response said they were requesting it that day and would do such and should receive it within 10 days. They don't provide payoffs via email. (What a crazy thought.) So I received the payoff yesterday, 7 days later. Talk about inadequate?! Statement does show principal balance amount and shows interest accumulated per day. Great! But it does not state any fees associated with payoff (filing with the county, lien release, etc.).

Second, it doesn't show how they intend to pay the taxes on the residence (which were due 10/1, but they religiously have paid on 10/25ish). So there's no accounting for the funds in escrow. Next, there's a disclaimer on the statement saying the payoff is subject to change for "various reasons." Um. Isn't the reason for requesting a payoff so that you know exactly what to pay? And wasn't that the reason someone at BOA had to put their hands on it? But beyond all, what really gets my goat, is the statement on the bottom of the payoff that says "this communication is from a debt collector." WHAT?! My mortgage isn't late! What an inadequate and infuriating system to have to go through to merely payoff a mortgage!

Only thing I can figure is that because this isn't due to a real estate transaction or I didn't come into a wad of cash to pay a huge final amount, but rather the instance of a customer paying to the agreed terms of a loan for the entire term of the loan, they haven't the slightest idea how to properly provide a "true payoff." Unbelievable! To add to this mess, we are an active duty military family. We became reluctant landlords many years ago when Uncle Sam called upon us to move so this is now a rental property.

BOA suddenly decided to declare the property was not worth its value of the 1st and 2nd mortgage (BOA held both loans) combined and shut down the HELOC/2nd mortgage. Naturally, this was THE month prior to moving and we had planned to use a small portion of the funds as moving expenses (we had not quite saved enough cash to cover expenses). Home's value was minimum 50/50 loan to value at that time. I tried calling them. Didn't matter. I would need to go through a time consuming process to prove the value. (We were moving! Didn't have time!)

We aren't down for "handouts," but when assistance is needed for a temporary setback (moving again, so loss of spouse income for a couple months), one would THINK BOA might have a reasonable request process to qualify for such. NOPE. Would have to go through a full refi to do such. But the kicker of it all was BOA wasn't doing loans/refis for 2nd properties at that time! So, Bank of America, I fully understand you don't "owe us" any favors. But what you DO owe us is competent customer service employees and the reasonable ability to properly payoff our mortgage when we want to. So BOA, thanks for nothing!

I have filed proof the loan payoff was received and copy of the certified mailing receipt. Bank of America is willing to take every penny from a senior. Let that sink in. Bank of America is okay with threatening to take a senior's home if monthly payments don't continue after a loan payoff. I'm posting this story all over the internet in the hopes people will remove their bank accounts and loans elsewhere. Nothing you entrust with this bank will be safe.

Considering the discriminatory treatment we received we no longer want to do any type of business with this bank regardless. We don't recommend this bank for a loan or any other type of transaction. I was told by others even before I started to work with them that their customer service was awful. More than one person had told me that BOA would not allow them to withdraw their own money on several occasions but after this experience I'll believe just about anything. Complaining to the manager at the bank about the loan officer and the speed at which everything was moving along was just plain useless. He did however mention that we were the "type" of customer that BOA was targeting. Very unprofessional and terrible customer service.

Bank of America's rep. advised me that they are aware of this program, but they dont offer to resume the normal payment after the 3 months, all 3 months must be paid up after resuming normal payments. A large entity such as Bank of America should be ashamed of itself. All banks can help their customers in this crisis, but the largest bank hold its fist tight. What a shame. I've been a loyal customer for over 40 years with all my banking accounts at this company. I was even an employee for 20 years with this company. Maybe another bank would begin to look a lot better than good old BofA.

They must make a million a day stealing/penalizing folks who decide not to bank with them. I am so disgusted. Several years ago they only had to pay out a million to Mortgage customers that they screwed over. Then they stopped charging 8 bucks to cash a check as well. Now I see they are up to their old tricks again. We are going to my parents' branch this week to remove all of their money from Bank Of America, and go somewhere where we are CARED FOR. My parents have banked with B of A for over 30 years and this is whatcha get. HORRIBLE.

The reason for that I was told by the customer service representative was because that gives FEMA a chance to cut you a check and you can therefore catch up with your Mortgage. I told the mortgage representative Fema checks are to repair your home and not to pay mortgage. I have been a Bank of America Mortgage customer for 12 years and never missed a payment. Hurricane Harvey is one of the worst storm ever and Bank of America Mortgage Dept. has no compassion for what happen to their customers. Instead of rebuilding your house, contents inside your house, car and most importantly your emotional situation, Bank of America Mortgage Dept. wants you to take your Fema check and pay them. I will look into refinancing my Mortgage with another Company very soon.

The final straw that BofA wanted an original scriveners affidavit (even they didn't even know what that was), that corrected a minor typo on my deed. A copy did not do. It is beyond me why BofA thinks they are competent at issuing loans. I regretted putting so much time into this process. I closed the HELOC without actually really using it. I will learn from my mistake, I hope you will too.

When I tried to do an ACH off of the routing number and account number on the checks they sent me the transfer failed and I got hit with charges for that. When I called BoA they told me that type of account can't do that and I need to use the paper check. So I had to go to Chase to make a payment and I had to call AMEX to get the mailing address to mail them a check. In the current day of online banking BoA is still in 1988. After sending the two checks I wanted to make a payment to the credit line. On their website this can only be done if you have a BoA checking account. And even then you need to add the line of credit as a bill pay account and put in a mailing address because BoA actually mails a check to themselves. They had me add my TD Bank account as a payment option only to find out later that I can't use it to make a payment on line and the only way I can make a payment to the account from TD is to mail a check or go to the branch.

They have the worst online banking application I have ever seen and to top all of these issues off they DO NOT have 24/7 customer service. When you call the number it says they are closed and just hangs up on you. So if you have an issue at night you are waiting till the next day. I only went with BoA because I know someone that works there and they talked up how good it is. After this I would NEVER do business with them again. In my line of credit contract I have to keep the account 3 years or they will hit me with an "Early Closure Fee" and I am counting the days to close this account. Do yourself a favor and use ANY OTHER BANK!

They have refused to drop my MIP. Now they want me to re-sign some paperwork. When I asked what was wrong with the paperwork, they sent a bill collector from JMA, a collection company that they own to intimidate me into signing. They have also tried to pay me to sign the papers. I have asked repeatedly if the loan was in order or if it is unenforceable and they want to get off of the phone. They give lip service to resolution and try to pass you from one person to the next. Pitiful.

So I waited a few days and called the telephone number on the letter to confirm. They claim they didn't get the fax. I told the idiot on the phone that I have digital proof that they did receive it. She replied, "Well if we received it then it would be in the system." I outlined all of steps I have taken and told the idiot that the problem was clearly on her end and that if BOA purchased insurance on my home and expected me to pay for them, we would have serious problems to which she replied, "These calls are monitored sir" as if I had threatened her. She then gave me another fax number to try. Absolutely gross incompetence.

After few weeks waiting for a check in the mail called back. Nobody knows nothing. Someone said to send letter and start over. Someone said call Delaware state unclaim, since I live in MD. I mentioned why since I don't live in that state. No record, and said to check in 2 months. Call back to Bank of America today they said check with State of Maryland. They said don't have nothing. Just wonder where is my money. Wonder if someone can help against big corporations.

Had I have known this I would have not done a loan with Bank of America. They should have disclosed this at settlement and did not or is it stated in my paperwork. Now they said to take out a home equity loan to pay off my mortgage payment. I don't think it is right to charge an extra 10,000 in interest for using 6 budget fitter coupons. This is ridiculous. After paying over 15 years my mortgage should be done and if I don't pay 10,000 dollars in two months I will default which will ruin my credit as well as having to pay 25 percent interest on the balance. This is unfair and unethical. I signed for a 15-year conventional loan at 6.50 percent not a daily interest bearing loan. That is why they do this to get you to do a home equity loan and that should be illegal and there should be a class action lawsuit against Bank of America. I'm sure they have done this to many other people. They are a terrible bank and mortgage company to deal with.

I have spent weeks on the phone, eventually refusing to talk to anyone except my case manager. How do I get in touch with him? I have to keep calling back, over and over and over, till he happens to pick up. How fun is that? Once he realized I was going to keep after him to took note and decided to call me every Monday with updates. I've been speaking with him weekly, often more than weekly, since March and he told me my modification was approved and all we were doing was waiting for the final paperwork. For 6 - SIX - 6 weeks he told me everything was fine, the modification was approved and the back penalties would be erased as soon as the paperwork was done.

Then he called this Monday and said "Oops". Literally. That is what he said. "You're not going to like this" he said. "Turns out your modification was not approved and you have to start the process over". What did he say when I asked why? He said "It's Fannie Mae, not us". Fannie Mae said "Um yeah, no that's BoA". What difference does it make? Two things: 1) I have to "start" the 3 month modification period over again. I get to spend another 3 months during which my credit report shows I owe ridiculous amounts of $ to these crooks. More importantly-2) Apparently they can do whatever they want and there is no recourse for the customer. How does that work? Let's suppose I start the new 3 month modification period? What happens then?? Will they actually honor what they claim? Or will they say "Oops" start over.

Even our court system isn't this screwed up. Once you've paid your dues (i.e. completed the 3 month modification you were told to complete) you can't be re-tried. There are no "Oops" in our court system. But apparently, BoA can use this whenever they want to, and I am told I have no recourse. Today I was told by the "supervisor" that he would "escalate this to the escalation team" and would get back to me on Friday, but I should expect no different answer from them. When I asked who else I could talk to he said "no one".

So, BoA lies, jerks me around, forces me to spend hours on the phone during which I'm repeatedly lied to, then tells me I have no recourse. Oops. And I'm guessing that despite that recording you have to listen to that says "This call may be recorded for training purposes" won't apply to my case. I'm guessing that if there are any recordings of my conversations with my case managers they are being erased as I write this.

I suggested he let his "escalation team" know that I am a single mother with cancer who was ** over by an ex who refused to pay the mortgage and gee... Think social media will think "Oops" is an acceptable response? Un Freaking believable. Come Friday afternoon, East Coast time, you will probably be able to join my new FB group titled "People Screwed Over by Bank Of America."

Fast forward to 2017... My spouse and I who have our first mortgage with them and a second with another bank wanted to consolidate both mortgages. This time we provided every document requested in a timely fashion. Unfortunately they were not satisfied with the legal documents provided to them so they began to ask that my spouse's employer provide the documents. This was no problem but the employer was uncertain exactly what information was needed and requested that the bank call them to explain what was needed. The bank agreed to but did not; what they did was close the application without notifying us.

A few days later we got a letter telling us that the application was closed. Of course they got and accepted the documents from my spouse's employer and told us that they would consider starting the application again and would call us within the hour. That was over one week ago and we're still waiting on that return call. We have called several times and NO ONE has returned our calls. The only thing they did was refund the non-refundable appraisal charge. I will tell everyone I know not to use this bank. We have been customers for about 20 years and this is the great customer service provided by the mortgage department.

You made me jump through hoops, when, in retrospect, it’s very apparent you had no intention of ever approving the home loan/closing escrow on the aforementioned property, even though I have almost perfect credit and have had continual employment/career longevity in a supervisor capacity for many years (over 10 years) with the same employer. BOA unethical business practices are completely unacceptable, let alone illegal. I would be filing a complaint with the appropriate agencies regarding the unfair treatment, the ongoing harassment, and discrimination that I have endured due to my marital status (as I am single), gender/sex (as I am female) as well as race and national origin.

Furthermore, as a direct result of ongoing harassment and discrimination, I suffered an on-going extreme amount of stress. All of the calls to/from agency happened during normal business hours over the past several weeks. Last week when you continued to make outrageous and impossible demands wanting more money and how you would accept said monies, I was at work when, all of a sudden, I had difficulty breathing as well as severe chest pain. My employer called 911, as they believed I was having a heart attack.

Although I was released from the Emergency Room, I was told my condition was a direct result of extreme stress. My employer asked me to stay home on Friday (5/12/17) to try and get rest/recuperate and so now I have lost an accrued sick day as well, due to BOA heinous actions. In conclusion, BOA unethical and illegal business practices have caused me both mental and physical injury as well as a significant monetary loss.

When I asked him why he did it. His answer is that he just made an assumption and he did not feel like discussing with us before doing that. He also made a lot of other mistakes that I don't have space here to describe, including religious bias. We lost a lot of money and time due to this branch's fraudulent activities. Also, it is really hard to explain this to higher management. They simply ignore and defend bad practices. In short summary, this branch exercises one of the worst business practices by conning people. I am hoping that growing awareness will help other people stay away from this company and at some point, regulators will pitch in, similar to Wells Fargo case, and then CEO/higher management will notice due to investors' pressure.

After we closed she completely stopped returning my calls and emails. I would expect this type of behavior from a fly by night mortgage lender, not BofA. I would definitely steer clear of BofA. This experience has really left a bad taste in my mouth. I am currently shopping around at other banks so I can close my decades old BofA accounts.

When I called they stated this is the new cost due to escrow. I tried explaining that I do not have an escrow and that my account is current. After speaking with Nicole, Crystal then finally Sharmica on March 6, 2017 I was informed this would be REANALYZED, and the misappropriated funds would be corrected. Sharmica confirmed on recorded line, escrow balance at $0, monthly payments all current and correct monthly payment only $1046 (est). However stated it would take a few days to update. However everything ok on my end... Fast forward to April 24th as now we are being inundated with phone, e-mails about being behind with mortgage.

I called again, spoke with Brantley then Vanessa who finally transferred me to a supervisor Kyra whom told me that due to lender placed insurance, I am now required to have an open escrow which made my April payment (already paid) $1400+ and the May payment go down to $1200+ for remainder of loan which has now increased our monthly payment by over $200 without being properly notified. Also due to their mistake since it now looks like we have not paid the full monthly due we have now been charged over $100 in late fees and show over $800 past due. DUE TO THEIR MISTAKE.

When I requested my March 6, 2017 call be pulled, I was refused and told I would need to submit request in writing. This has to be one of the worst mortgage companies bullying customers into late fees and possible foreclosures. I have reached out to an attorney (hopefully for some guidance) and a new lender (hopefully able to refinance with lower payments and monthly amount due with no hidden costs) and no lying... sick of paying for other people's mistakes.

I wrote to her and her supervisor but never heard from him and the issue was not resolved. I had to go ahead with the NEW rate because the mortgage I had with them for 10 years had matured and it would have increased my payment drastically. I was ripped off and did not have a choice. After the closing date I noticed that I was charged double for the appraisal and it took weeks before I was given credit for that. That is how they treat a ten year customer. My mortgage payment is now over $100 higher than it should be.

On February 22, 2017, I was contacted by Nancy **. Nancy and I discussed the outstanding items she needed to complete my application. It is important to note, the items did not include a recorded lien release. Nancy stated my rate would be prime plus .230% and could not provide any explanation for the difference in rate. Second, Nancy stated my house appraised at $274K, which was different from the appraisal amount I received from Aaron only approximately 15 days before. I was later told by Richard **, HSS Manager, that my home appraised at $305K. Again, I am highlighting the varying information I am receiving from different Bank of America representatives. During my last conversation on March 20, 2017 with Nancy, I was told that she came across an outstanding lien against the property. Per her request, I provided her with the information of the lien holder.

During our last conversation with Nancy, I specifically asked if the lien, which was in my mothers name, against my property would be an issue. I told Nancy, I could pay the lien off if it was an issue. She stated she needed to talk to the lien holder first and she would call me back. This lien had been on my home since 2002 and present at the time I was approved for the initial LOC approximately eight years ago. I never received a return phone call from Nancy. Instead, On March 24, 2017 a Bank of America representative called to inform me that my application had been denied. Per my conversation with Tom ** on March 24, 2017, Nancy never even called him to see if the lien holder. Furthermore, Nancy never return emails or phone call in a timely manner if at all.

On March 27, 2017, I reached out to Nancy's manager Richard **. Richard informed me the only outstanding items were a copy of the recorded lien release and my Capital One bank statement showing the source of the funds used to pay off the lien. Per my request, he sent me a confirmation email stating the same thing. I specifically asked Richard about my property, so there was no confusion as to the location of the home. During the call, Richard stated the appraisal was good for 90 days. I explicitly asked about this because I did not want to pay the $15K only to denied for the loan. Richard went on to provide the appraisal amount. He stated the appraisal had been completed and I would be approved for my original amount of $199K because the appraisal higher than $274K. I have a copy of the appraisal that was done on my home dated March 20th.

On April 12, 2017, I provided both documents to Richard via email. In the same email chain, On April 12, 2017 at 12:58 pm, Richard stated, “I have received your satisfaction of mortgage. We will just need the Capital One bank statement to source the funds used to pay off the lien. Once this is received, we will review for reactivation and once reactivated we will need to get an updated title”. After receiving that message, I resent the bank statement. Subsequently, I received a phone call from Richard stating it is now a requirement that Bank of America complete a full home walk through before approving the home equity line of credit.

I am having trouble understanding why neither Nancy nor Richard conveyed the need for a physical walk through until this point in the process. It seems to me that, Nancy and Richard are unfamiliar with Bank of America processes and both were looking for ways to disqualify me. Why would Nancy order the wrong type of appraisal? Why would Richard state the appraisal was good for 90 days if it is was the wrong type of appraisal? Furthermore, I am curious to know if this walk through policy is implemented at the discretion of the home service specialist manager. I still don't understand the exact purpose of coming into my home other than to find another reason to disqualify me.

Road blocks and hurdles have been strategically inserted to block my application. Richard ** assured me that my home equity line of credit would be approve if I paid off the lien and provided documentation as to the source of the funds. The lien has been paid off. Richard should be held accountable for his statements. My home equity line of credit should have been approved.

As a result I am now placed in the very difficult position of having to estimate the loan balance due and the amount of interest paid during 2016 for purposes of my 2016 federal and state tax returns. BOFA is unwilling to provide any information, and it appears that they are hoping to force a default and then implement foreclosure, but I am sending estimated payments each month to prevent that action. I noted that BOFA just incurred a major judgment for treating other consumers in the same manner. It is a prime example of why consumers should not deal with BOFA for any financial needs.

When W2's started rolled in I reached out to the bank and offered my 1099 for 2016 for Uber instead and they said that they were waiting to see if the underwriter will accept it and would call me back in 10 business days. No call back came so I called them back and was told that I could submit the profit loss form myself again and be specific. I was also told to make 2 payment and my mortgage would continue to be ok (this was on 03/08/2017). This would keep me out of foreclosure. I walked into my local branch and made 4 payments, not 2, but all 4 payments for Nov, Dec 2016 and Jan, Feb 2017 on 3/10/2017. This left me only owing for this current month 03/2017. I paid the full past due and took a screen shot of what I owed and paid. I looked at my balance online and notices that all of my payments were put back into my checking account.

I called back to the mortgage department and was told that I am now in foreclosure and they want my March 2017 payment plus attorney fees. It is currently March 14, 2017. I asked when did I go into foreclosure and they told me that I had been in foreclosure ever since October 2016. I asked, "if that were the case why did you take all of my other individual payments, but when I pay everything up, you refund those 4 payments, plus your calls are recorded and you will hear your rep telling me to pay 2 payments. Why did you to take my other payments since October 2016 if I was in foreclosure?" I got the runaround. I asked when was a letter mailed telling me I was in foreclosure.

Get this people!!!! They told me a letter went out today and is in the mail. I said "well if that's the case I wasn't in foreclosure when I made those 4 payments 03/10/2018." I am currently waiting for a call back from a mortgage manager to clear this matter up but was told that the manager was not going to help me. He is going to tell me the same thing. Looks like I am going to have to move out of my home. I will be able to pay my March mortgage payment, however I will not have attorney fees. Bank of America never intended to give me a forbearance, modification, or refinance and they definitely don't intend of helping me. For some reason they really want my house. I don't understand how a bank can do this. If someone reads this and can help or give me some guidance please post. I will be reading these reviews daily.

I encourage anyone looking for a mortgage to bypass Bank of America. You will regret it if you secure a mortgage with them. The mortgage reps are unprofessional, dishonest and BOA appears to be interested only in taking your money - not really providing quality, valuable service to the community. Today, I was discussing a refinance with Corey **, a loan officer and he just "hung up" on me while I was questioning the rate he offered. Completely unprofessional, but I suspect this is how they treat all customers which is why there are tons of negative reviews and a horrible track record on this site. It just seems that something should be done about companies who operate like this.

Lastly, I was selling a home, and yet again, Bank of America almost screwed up a sale. This time the buyer, on day 44 of a 30 day loan, was contacted about taxes. Again the inept organization almost ruined a transaction. Luckily, the buyers to pay cash for my home, and Bank of America was thankfully not part of the deal. I would stress even being pre-qualified, to stay away because of this bank's businesses practices. Over the course of 18 years, I am now removing my finances from this bank.

Every time I called to check on the application I was told that they hadn't received something or needed more information. They were unable to comprehend the land trust I have for the house. I was told not to worry if we miss the 2 month deadline I could just start the process again with a new application. Why would I go back to them? They were unable to give a clear explanation of what more they needed so I finally told them to cancel the application 4 days before the deadline so I could go somewhere else. At that time they told me the application had been denied a month ago even though they kept asking for documents right up to the day I canceled it! I didn't get an answer for why it was denied, the woman kept contradicting herself. Such a huge waste of time. I was able to do another application in one day with BMO Harris - no problem with my documents! It has already gone to underwriters.

I contacted the mortgage loan officer in charge of the refinance and forwarded the bill. She pulled up the closing documents and said "You are right. This is supposed to be impounded. Let me fix that on our end." I followed up a few days later and was told that everything was taken care of. Fast forward to January 2017, when I get an email from my homeowner's insurance telling me that my premium is past due. This is beyond outrageous. I NEVER would have even done the refinance if the bank's calculated monthly payment did NOT include the impound of my homeowner's insurance. Why? Because I wouldn't have saved any money by refinancing. I cannot believe that I am spending another minute dealing with this issue. Refinancing with Bank of America was a HUGE mistake.

I made the 30-minute drive to the bank Monday morning to speak with my representative at the bank, since he had not responded to my email to call me in what I felt was a timely fashion. He was as surprised as I was, and he called their consumer loan department. He was told that it was because the Feds had raised the rate. Since this had not happened in the last 8 years (before he was employed by BAC), he was apparently not aware that it would affect my introductory rate either; and he was apologetic. Basically, however, he told me there's nothing I can do about it! He said that they are now offering 2.49% for the first year. I told him that he needs to tell his customers that this too will be affected if the Feds raise the rates again. Otherwise, he is lying to his customers as he and BAC lied to me!

BoA's right hand pretends not to know what their left hand is dipping into, indulging themselves, as their CEO. The hard earned cash I'd paid for my home, unrelated to condo, did have a credit line, I took through BoA, that I'd build up, pay off, build and pay... till? By 2009 I became suspect, smelling fraud... BoA pulling a bait and switch to compensate their own pockets, noting the condo with home's legal (still not corrected, mortgage at condo paid, making my home worthless)!

If a attorney take this case, BoA has yrs. of knowledge, is intrinsic fraud (prefer an expert on BoA antics). Per judicial ruling, their disgusting effort to do a slanderous summary judgment, Judge DENIED. I am legally blind and have complained to Attorney General's Office. In spite of, BoA rules to a tune of their own. I'm sick of it!

Bank of America representative referred to the amortization schedule which is based upon paying only my monthly mortgage and when I should reach that 80%. There is not one problem with my mortgage payments and Bank of America still refuse to acknowledge that I paid extra to get rid of the PMI. Their answer to me “Pay us for another appraisal and we consider dropping the PMI before the date on the Amortization Schedule.”

I would get a call from one person and then another and then another followed by a letter telling me that they were assigned to me because of the letter that I sent to the CEO of Bank of America. The information that I sent to, was stored digitally by BofA and they lied at least 7 times when BofA assigned another liar to work with me informing me that BofA had not received the documents that I had submitted at least on 6 different occasions. After 10 years of lies and deceit by BofA personnel they denied my request for a loan modification based on lies and a faulty appraisal that was incorporated by BofA. This is a culture at BofA, as many have said, implemented by the highest level of management at BofA because so many people are lodging exactly the same complaint.

One BofA customer service eventually and accidentally told the truth. She said, "Bank of America will not give you a loan modification on your property because you are not behind on your payments and you have to pay for all of the people who have defaulted on their loans, or walked away from their homes." I have keep the Consumer Finance Protection Bureau informed about all of the lies that Bank of America people have told over the past 10 years and they have informed me they can only pass my complaint on to Bank of America and get them to response. Well this has gone on for over 5 years now and Bank of America knows that there is no government agency that can enforce BofA to be honest with their customers. Therefore Bank of America has created a den of liars and thieves.

I have all of the information supplied by BofA that I sent to them as well as what they sent to me. I also sent as much of this information to the Consumer Finance Protection Bureau as I could. However they have more than enough information supplied to them by me to do something about these thieves if they desire to do so. There is much more to the many lies, stalling and Un-American tactics that BofA has told to me and I have them with a response to no avail. Bank of America personnel will tell you that the call may be recorded. However if you tell the person at BofA that you are recording the conversation they will tell you that if you continue to record they will hang up and in the last instance where I told the Bank of America representative that I was recording our conversation she slammed the telephone down immediately.

Consider this. If the Bank of America representative is telling the truth why is it that they refuse to let you record the conversation however they can record the conversation if they want to? The only reason for this situation, in the opinion of many, is that the Bank of America personnel know that they are going to lie to their customers from the beginning of the conversation and they do not want it on record.

BOA took me for a awful refinance trip. No one calls you back. Nobody follows through. My loan officer never got all my papers in on time because he said he was sick... Not once not twice but three times. Nobody not even a supervisor gave me a call when I was waiting for answers. BOA dropped me because my loan officer was away from the office. I was locked in until Dec 05 2016. Guess when I got a call... The 6th of Dec. One day after locked in. Why didn't he file an extension??? Why didn't they have BOA supervisor covering for him if he was always sick? I would like to know if this has happened to anyone else... My loan officer was from Jacksonville Florida. His name is Gerald **. Awful experience... And I am getting a lawyer. Help me please.

This go round, I needed a brand new appraisal. Ok no biggie. It was the same house of was in process of buying before my buyers backed out. Loan officer attempted to use old information with just a few updates. Again still using my VA benefits. Again I had to get a brand new VA eligibility certificate. Another termite inspection. Once a week I was checking with loan officer to see if all was good to go. Less than 10 days before I was supposed to close image got hit with 5 more UPDATES I was required to provide to BOA. That list of 5 items at 9 am doubled to now 10 updates that I HAD TO PROVIDE to bank at 3 pm! 3 of which were items that the bank was supposed to generate, not me the home buyer. 2 of the 10 items were the most important, VA disclosures and a closing disclosure from the sale of my previous home.

I did provide my loan officer with it only 2 days prior but he waited until that day to say he needed it again with my signature. I went back and forth saying you've had 30 days to ask for these documents but waited until 10 days before I closed to ask again. I had to write numerous drafts on payments that showed up on my checking account. One was regarding my TV cable and Internet bill. I called myself to the VA dept to expedite the updated VA letter of eligibility. The VA headquarters laughed when I called saying it was the bank's responsibility not mine to get that. VA even admitted that BOA was notorious for screwing up veterans loans. I was personally emailed the correct forms to save time. VA Loan officer kept saying it was underwriter's fault not his. Underwriter was off the day I blew up. Convenient huh??

Fast forward 1 wk left and I still don't have a 100% response from officer if everything is good to go. It's going to xmas on Sunday and of course everyone is out. Same house, same job, same VA entitlement. I called and left requests to Underwriter, to Complaint Dept at Main BOA Home Loan Dept. Not one person has returned my multiple inquires or talk to me about the complaint report I started. Every person I asked to contact me, to include MY loan officer has yet to return any of my calls and I still have no idea if I will close in 5 days! I have so much more to say but the process is exhaustive and I'm at point of just saying forget it and I'll go to to another bank. 1 wk ago mentioned this to my loan supervisor and he said GO FOR IT!

And later after have I was contacted by a collection agency. I told them I could not move right now and that I could not afford it, so they offered me a modification and said it will be 2500 a month and I said I could not afford the payment. So later I was offered 40 yr mortgage and I said no because it doesn't make sense. So after that I was finally offered cash for keys cause I hade no choice but to leave, so I lose my home and me and my wife and kids had to leave, that damaged my marriage and my health, and trying to deal with the change it's still hard. I move in my house in the year June 2000, it will seem like, that something could have been done. No Obama plan, making homes affordable. Why... That was bad treatment, unfair treatment and the house is still sitting there empty. Can I please get some help, the house is still sitting there. Thank you...

After 7 years we have repaired our credit. A couple of years ago we bought a house from a private person with a condition that we would get the house in our name when possible. You have to wait so many to be able to get another mortgage after a foreclosure. Our waiting time is up this April and we are set to get our mortgage to get the house in our name. Our credit score is in the 700's, so we will have no problem doing it. I made my Bank of America payment at the beginning of December and they have returned it to my account. I called them to ask why, and they told me since the house that they had the second on, foreclosed, they have to foreclose also.

It's been 7 years. Why are they doing this now! How can they mess with people's lives like this? I am so confused on why they are doing this. We worked hard to repair our credit and now we have to start all over again because of what Bank of America is doing to us. Why did they tell me I'm still responsible to make our payments, which I had no problem doing for the past seven years, and now they are going to destroy our credit again which we worked hard to repair. And for no reason at all. I am so confused. We did nothing wrong to them. They are demanding the whole amount that was borrowed. They state I can no longer make payments. What has changed? They had no problem taking my payments until now.

The only thing I can think of is they got back everything that was borrowed and now they are going to use the foreclosure as a way to write it off for tax purchases and have no problem hurting the little people. Our credit will go bad again and we will not be able to have our house put in our name. We put a large down payment on this house and could lose this one also. How can Bank of America get away with this? I asked them if they could at least accept our payments till April to give us time to do what we need to do for this house. They told me it's out of their hands, that they can't do that. Why not??? They had no problem taking the payments before. Why are we being punished again for a crime that was done to us? I can't believe an institution is allowed to destroy people's lives for their own gain.

They assigned a new "rep" to us almost every two weeks and each new rep had no idea what we had gone though. After the fifth rep, we simply ignored the letters and calls and sent a letter to regional and company management. Of course, no response. So, we are now left with no Equity Line of Credit and our interest rate is the same as it was when we first contacted B of A. The gross incompetence of the bank can only be matched by their single objective of building a war chest of money. I've never experienced a corporation with so little caring for their customers. It's not by mistake on their part BTW, it is a well greased strategy of ignoring customers.

After another many calls and also giving them my daughters number to talk to her, she has great hearing, knows what is going on with financial problems eat. They call once and told my daughter to call them. Anyways after months and farther behind in payments, I get a packet in the mail to apply for hardship. Did that, sent papers they requested. After waiting 30 days I call and they weren't sure what I was talking about and was assigned to an agent. He sent me another hardship packet. I filled it out and there was a convention thing on in PYLD OR, so my daughter and I went to it so I could some answers in person.

It ended up being a number, different stations where people look through packet to make sure you had all paperwork filled out. Yes I did have all my paperwork and I left my folder with them and said they would contact me within a month. No reply from them, phone calls start again, new packet arrives for hardship.

In 2012 I got a notice that my house was being put up for auction. I was freaking out and thought needed to move out. I moved out, and then I get a letter saying my house was not being put up for auction after all. Long story short I talk to an attorney. They told to "move into the house. You should never move out the house when through foreclosure". This was my first house. I don't the rules or games they play. 3 months before moving out my husband had a stroke in June 2012. Sept 2012 I'm thinking I gotta get my things out of my house. Stressed out over everything. Still nothing from BofA.

Sept 2012 (3 months later), my husband passed away, complication from his stroke. So dealing with that and house, I quit trying to save it. My house has been vacant for 5 yrs. They still not foreclosed on it. I have contacted recently to see what was taking so long. Their excuse is "it's a long process." 5 yrs? Come on. I cannot even attempt to buy a house until this one is out of my name. Also there is a 3 yr waiting after. Nobody to talk to in person. What do I do. I am stuck in limbo. How do I move on with my life? I get statement each month still. They charge me for mowing the grass, and for whatever the hell want. I told them to "take it, sell it. I don't care, just get name of it." Who do you turn to for help? Anybody have answers. Maybe I should move back in and not pay damn thing until they do something about it.

We "appealed" their decision to some e-mail address they sent to us, and all they did was tell us after a week that they did not change their decision to arbitrarily deny our refinance after 3 months! We asked for a refund for our appraisal which was never used, and did not get it back. This was the worst experience I have ever had period. I will never recommend B of A for ANYTHING, much less the home loan process! They are thieves, crooks, swindlers, manipulators, and most of all they could care less about the public they serve. Beware! Go anywhere else but B of A Home Loans in Jacksonville Florida! I'd rather give my business to Joe Schmo down the street than these guys!

I'm now on my 3rd extension, paying tons living in a hotel with my dogs, waiting only for the clear to close from BOFA and that can't happen until the only appraisal apparently available for this MA branch office can find the time to get me into his schedule. NO help from the loan officer to rush the appraisal revisit. No offer to move my loan app to a local bank that uses local appraisers. No regrets or offers of apology that he misled me about the conventional loan requirements via Freddie/fannie requirements. I would have used a different lender that did NOT need to meet Fannie requirements and saved us all time and saved me HUGE frustrations.

I even had a call with the guy who reviews the loan status - before the appraiser ever went to my property - and asked him (Duane) for verification, that as a conventional loan I don't have to jump thru hoops like with my VA loan. "No" he says, as long as it meets value... I've now had to request a 3rd extension from HUD (with charges for this) because BOFA can't get an appraiser out, as a revisit verification only, until the end of the month. Unbelievable. If I wasn't so set on this home, I'd dump BOFA entirely, but unfortunately, they are tied to my contract to buy the house.

Original Review: Oct. 12, 2016

I had a BOA refi on the home I was selling so I decided to go with them for my new home purchase. BIG MISTAKE!! Started out smooth and fast with pre-approval process. Then September 4th 2016 I sign contract with seller and alert lender. She received all requested info less than an hour after asking. Of course on October 10 2016 they are still sending me paperwork they need signed. :( We were contracted to close on October 6th. On October 4th, I call BOA lender to see if we were ready to close. I'm then told NO. The appraisal hasn't been done and there isn't anyone assigned nor a possible appraisal date. I find out 2 days before closing, I'm glad I called. They use a 3rd party for finding appraisers that must be of low regard (cheap for BOA though) because the several appraisers I called don't deal with BOA.

On October 10 2016 I get a call from my lender. It was short but she told me I should find another lender! I couldn't believe it. They should have told me that in the beginning. I found an appraiser that can do a rush job and was top rated and passed the info to BOA thinking problem solved. Their 3rd party vendor doesn't have a relationship with him so it was a fast no from BOA. I know there is a national problem with appraisers but it's compounded by BOA choice of 3rd party vendor.

BOA is just pretending to be in the home finance business as far as I can see. Their lack of properly managing this loan now has me homeless with all my belongings in storage. I guess I still have some summer clothes in a box but it's getting cold out. I called another lender and they advise me up front to pay rush appraisal fee and no problem closing in 30-45 days. I'm going to have to do this unless the seller backs out. My dream home has become a nightmare thanks to BOA. The reason for this review is to try to save you from BOA headaches. Go with a lender that specializes in home loans. BOA just dabbles in loans so they can say they offer them.

I am learning how someone you hold accountable under company REO sales employs being the keyword. I am able to disclose your approval for granting my ability to engage in the auction. Prove I won the bid. Prove I had a sales contract. And prove I was denied purchase due to someone other than the home inspectors report which cost 350 rather than 500 from VA that the home wasn't going to pass. I ask how a worker from Hudson Marshall office in Cali emails me 4 hours later to say BOA won't accept a VA loan. I think we both know how much Being an approved VA lender means to BOA.

Here is what I am prepared to do. Allow this to be dealt with and disclose the dirty listing agent who owns 36 of your reos from 5 years. County GIS tax records. Hell she has 14 LLC also being used. Hickory NC. I have this for the boys with PA. ADA laws. Fair consumer laws. Forget the veteran of 26 years. I'm an American first. Now Let's see what you do. I hate having my ** in the street. Let's fix it or I'm going to start low naacp, ada civil rights scra and protest the VA remove your ability to service VA loans. It's a rule of thumb. The poor can't beat the rich in court. But being shot by cops, not robbed by banks and paying in my health for the revenge you sought after 9-11. I'll post the contract you breached the emails and the bidding which shows the Bank running up your price.

One week later, he moved my closing cost to $4000. I called and emailed him. He did not answer my email or phone call. I called his manager. She just asked him to call me. Then he gave me all kind of **. I got mad. Went to Consumer Financial Protection Bureau and file a complaint on it. After that, I sent him an email and let him know. Then he called me the next day and said sorry about it. We then agreed to cancel the loan. He asks me to retract the complaint. I still mad at it. I believe that he did this to many people. This kind of people did not have any ethic. He should be fire and not allow to work on this field. So if you read this, stay away from Bank of America at Capitola and Acorns.

Three weeks of emailing and calling Mr. ** in Missouri. Last call he picks phone up and just holds it then hangs up. I call back. Giving him benefit of doubt. He will not answer. Finally, I called to file complaint, ask for **'s supervisor, and to be switched to another specialist. No call from Stupidvisor or **. I have made a few more calls. Moved all my accounts to another bank. Got lower interest rate. Have all documentation in reviewed, approved and looking for a home all in one week. I stick my tongue out and blow at Bank of America!!!

I decided to stick it out with Bank of America - BIG MISTAKE! The right hand does not know what the left hand is doing. They do not respond in a timely fashion to calls, emails, etc. This has caused me unnecessary stress and anxiety. I will tell everyone I know about this horrific company. The only reason I have Bank of America as a mortgage is because it was sold by Countrywide. PLEASE PLEASE PLEASE do not use this company.

A couple of weeks later I went to the BOA branch I normally deal with & spoke with their rep who told me based on my activity & credit score they would do a 3.8%. We made an appointment & began paperwork. Midway through this meeting the BOA rep told me she "just" received an email (I didn't see it) & she couldn't to the 3.8 but could do a 4.0%. We settled on that & I had to jump the refinance amount from the $60,000 to $65,000. With over 15 trips/meetings, paperwork review/signings I still don't have the BOA finished paperwork to do a closing. No return calls, emails or paperwork? It's going on three months now. I paid almost $500 for the title search & market review (a person made a visit & went through the house). I have a copy of the report & it's OK. So far my current mortgage is with BOA. No misses or ever any problems. Just can't get them to respond.

Bank of America violated federal and state laws in dual tracking on this property and the law firm even appears to have violated state law and common sense by submitting a bid for open sale far below what was owed or required per fair market value to insure B of A would not end up with a property that literally stole and were not entitled to under wrongful foreclosure.

Even the county appears to be involved in some way by not requiring absolute proof of ownership per the initial foreclosure request after all that has transpired all these years. Little wonder that Bank of America is rated on of the worst America Companies and even more interesting that the BBB rates B of A in spite of the preponderance of evidence to the contrary based upon thousands of complaints, thousands (if not hundreds of thousands) to many agencies including the CFPB, and the same with all the lawsuits on behalf of the public, and the lawsuits brought against nasty old Bank of America by the USDOJ, the CFPB, and many state governments like the great state of Montana who stood up to nasty old Bank of America.

Maybe the BBB is a client or shareholder in Bank of America - certainly does NOT pass the smell test. We need an immediate moratorium on ALL foreclosures in the US, and the CFPB and other state and federal government agencies need to grow a pair and take steps to protect all innocent and helpless borrowers in our wonderful country. Colorado's stupid law (many claim is unconstitutional) should be immediately repealed!! That's my story and I am sticking to it. I am a 71 year old Vietnam Veteran and this is just NOT right in any way to let lenders steal homes.

It took almost 2 weeks before he was given access to the equator online system that they use to process short sales. Over the next 2 months, paperwork would trickle down to us about every 10 days or so to sign. We immediately signed it and sent it back. I tried several times to contact BofA through our assigned BofA counselor, but was unsuccessful. The last time I received an email from her was on July 15, stating that the short sale had been declined (no reason) on June 29 - this only after I had tried several times to contact her to find out the status. Just last week (July 29) I received more paperwork to fill out and our realtor said they were still collecting paperwork!

Unfortunately, last night, I received notification that the buyer has backed out since the contract had expired. I believe Bank of America purposely delayed the short sale process to avoid having to do anything. This mortgage which was one of the Country Wide loans associated with the housing collapse has been a bad deal. Bank of America settled with the government on these bad loans, but has refused to actually help those in need. Now, unfortunately we have to start this process all over and I feel I will get the same results.

There are no words to describe how poorly the entire finance process was handled and I have never interacted with a company that is so unethical in their business practices. My closing date on was initially set for July 13. After my credit was pulled and Mr. ** confirmed all of the numbers on his end, he gave me a loan estimate for $488,000 at a rate of 2.85% with one point with the help of his supervisors Nicole ** and Chuck **. He confirmed the amount I would have to pay out of pocket was the $460 cost for the appraisal. He indicated I was required to use their Appraisal Agency and they would charge/coordinate the appraisal. Once again, I have all of the paperwork and email correspondence to validate everything.

Over the next few weeks, the appraisal was ordered and completed, and all loan disclosures and other paperwork were signed and submitted by me in a timely manner - usually the same day it was emailed - and I was repeatedly told everything was on track to close on time. The appraisal came back and showed my home was valued at $620,000 - so everything was perfect until June 24, On June 29, My job received a request from Mr. ** employment verification form which was sent on after 2 hours by E mail. On June 30, I reached out and asked Mr. ** but did not answer phone or email. So called Ms. Nicole ** and Mr. Chuck ** about the status of the loan, apologized and said she didn't know what was going on, but there was a delay and "we wouldn't be able to give you loan as income to debt ratio is high and as 30 days is over your loan is declined as of today."

This caused me to lots emotional and mental stress. Finally Mr. ** emailed me and told me that, "This is due to my contract did not put guaranteed income word. I am very sorry." Not only did Mr. ** waste over 6 weeks of my time processing the loan, He required me to order an appraisal that ultimately was unnecessary for the terms of a loan he knew did NOT meet our requirements. When I requested the name of his manager and the address for his corporate headquarters so I could file a complaint, he refused to provide the information. And when I requested a refund for the appraisal because BOA failed to follow through with their commitment to me, he stopped responding to my emails entirely. I have never experienced such a lack of professionalism and customer service. BOA needs to be held accountable for their business practices.

Desired Settlement: I am seeking $5,000 to cover the cost of the appraisal ($460) and compensation for the days I took off from work and time I lost from signing/scanning countless documents and providing financial statements and other docs to BOA so we could finalize the loan. If we did not qualify for a loan in the amount of $488,000, then Mr. ** should have realized that before the finance was initiated and an appraisal was ordered. This was entirely their mistake and I should not be penalized financially for their error.

I contacted the Consumer Protection Agency and they contacted BOA and it was turned over to the resolution Department. I was told I was late sending in my paperwork so Rhea cancelled the loan modification. I faxed back the signed copy from the bank that the modification went through plus I was told all along that everything was fine with the modification. As of now my credit is in the toilet and it shows I have not paid since January. I can not get any credit because of this and have been turned down for credit. They tell me they are working on it but meanwhile this has a tremendous impact on my life. I do not know what to do.

After many months (12) BofA has now placed the land back in my daughter-in-law's name with Carrington as the lien holder, however the loan is in default and she is about to lose her house thru no fault of her own. When the land was sold to the investor, my daughter-in-law stopped making house payments as she had to pay to remove her property off the land she didn't own anymore and had no faith she owned any of the lot since according to the city, the property could never be split, yet they allowed an illegal land split by selling have of the land. Bank of America has refused to compensate her or to bring the loan current, Carrington has refused to modify the loan and are moving forward with foreclosure... Anyone have any ideas for a good attorney to take this case without money upfront? These folks need to be sued for breach of contract, illegal foreclosure.

During the loan approval the dollar amount needed for closing changed every week drastically and I ended up being 'cheated' on. I have been taken advantage of for no apparent reason. I am appalled that a bank this size can treat customers so bad and expect to continue business. I will definitely search for another company to refinance as soon as possible even though I know this will cost me. At least I will not feel ripped off! I hope they use my comment to better their business and advise employees on proper attitude towards customers. Most importantly not to lie. I will make sure I add my opinion to social media in order to warn other innocent home buyers. Bank of America should be ashamed of their work ethic. Do not use Bank of America!

I was advised to provide documents and I provided them to the loan officer and then he would come back and ask for the same information and he did this four times. I was also questioned about my gift of funds ten times. I was promised that I would be in the house by April 15, 2016. In turn I lost a place to stay and had to start all over. God knows I need all kinda of help. I would call, leave message to call me back and he would never return my call or would call me back on Friday at the end of the week. I would appreciate if this could be reviewed again due to the way it was handled. In the time length it took I could have built a house. Is this the way Bank of America treat their customers. I was told not to use them and I went ahead and tried to use them. PS the system has failed me again.

Now on 2016 which I got so many problem with my health and family issue. I had someone to take care of bills and he was saying "there is paper. Said you can pay till 17th". I had a surgery and I just got home and I received a notice "you have to pay $800 late fee" and I was almost headache to find out whats going on. I had worst experience with customer service. I went to bank branch in brentwood to complain and get helped. The manager opened the complaint file for me and also helped me with phone.

I asked for manager. She said "How can I helped you (jisla)." I told her the story and she said "no worry I waived all. You can call tomorrow and checked." I called day after and spoke to lavien and she said "yes she did 8 and your mortgage is gonna be $1,109.99" which I always paid and I repaid back to her twice and thank her. I received a bill "not waived" and is the same. I called again. "Why do you lie to me and play back and forth". After 1 hours conversation they gonna called me on tuesday to see what they can do. I am very unhappy and there is no way I trust them and I don't let any ones I know they get worst experience as I. I need someones to take care of my issue. Thc.

As the process went on, Bank of America introduced new requirements which had not been disclosed upfront and seemingly changed others, creating an ever-evolving burden of proof which was difficult to meet. In the end we felt like victims of a bait and switch. There were delays due to excessive requests for documentation as an example, multiple redundant letters were required from my employer. More troubling was the fact that statements and representations made by the loan officer early in the process were contradicted or disavowed by the underwriting department later on, to such an extent that the only conclusion I can reach is that Bank of America's business practices are dishonest and unethical.

Our mortgage with Bank of America closed a month late. We ended up selling our house and arriving in a new city with nothing to move into for four weeks, facing continued uncertainty regarding the mortgage and incurring unnecessary expense. Needless to say the delay irritated the seller of the house we wanted to buy. I felt there was no sense of urgency or concern for our circumstances by the people at Bank of America. Moving with a family of five to another state is challenging and stressful enough. Having to struggle to this degree with your mortgage lender is totally unnecessary. I never would have guessed that a large national bank could get away with such misconduct, but I can assure you I have experienced it firsthand. To paraphrase a prior reviewer: the more qualified you are, the faster you should run from Bank of America and to another lender!

The first problem that should have sent up a huge red flag was that the appraiser undervalued our house by $60,000.00. He used comps that had several hundred square feet less than ours, had smaller lots and no upgrades. After arguing with the bank and showing proper comps, the appraisers grudgingly added $20,000.00 and said that if we wanted any more value added we would need to research and take photos, etc. of what we thought were comparable homes that had sold (even though we had shown closed sales in the past year that were comps). Now we are supposed to do the appraiser's job for them after paying them $475.00??? Crazy!

We sent them EVERYTHING they asked for but it was never enough. There was always an additional list of items they wanted and they insisted everything we sent was signed and dated, many documents to be sent to them in letter form. There was about one month that we heard absolutely nothing from them, calls not returned, etc. Finally we received a call from our loan officer that our application was going to be denied because it had taken too long to process. We received the official rejection letter from BofA stating the refi is denied because our "income is insufficient for the amount of the loan requested." Huh? We've never been late on our first or HELOC payments but the resetting of the HELOC will cause our monthly payments to go up 3x what we're paying now. It doesn't make sense. By the way, we own a small business and make a pretty decent living compared to most Americans.

Our loan officer begged us to please come into the branch so he could run a new plan by us. I asked him what the difference would be if they rejected us for the first request, what will change with the second? He assured us that it would be different this time so we said Ok! Now he's going to try to get us a loan that covers our first mortgage and a partial amount of our HELOC and this time they will need much less from us as they have so much information from the first attempt. "Fool me once, shame on you. Fool me twice, shame on me!"

Needless to say, the past several weeks have been the same old, same old runaround. They are asking for more and more and more after we have given everything except our children and dog! They even wanted an explanation as to why my husband's income decreased by 65% between 2014 and 2015. What the??? He made a few thousand less and I made more in 2015. Combined, we made more in 2015 than 2014! How is that a 65% decrease??? I sent the documentation (with letter) showing them this was not the case. So now I am starting to get angry and suspicious. What is their angle? Why are they jacking us around? Are they trying to do something with our signatures and all the information we've given them? I felt like I was going through an IRS audit!

I finally lost it two days ago on the phone when the loan officer's assistant called me for yet more requests and (as they had been mentioning frequently) another $475.00 for appraisal fees (but no new appraisal) which supposedly would be credited back to us as some point. When I hesitated to give her my debit card over the phone and approve the withdrawal of said fee, she informed me that, "Tell, the underwriters are wanting to cancel the new application." What? After all this BS AGAIN? I told her to tell them to go ahead and CANCEL IT.

We don't want to do business with them! I let her know that we WILL be taking all of our business away from them, that somehow we will refinance with another company, get rid of the HELOC. I will be canceling two credit cards, checking, savings and IRA's (which, by the way, during the first process I transferred a $25,000.00 IRA at their request from Etrade to BofA/Merrill Lynch) and my kids' bank accounts.

It was only then that I started looking for Bank of America refi complaints and found this and other sites. I truly wish I had checked them out before. I have been a loyal customer of BofA since 1987!!! NO MORE!!! My fear now is, are they going to try to do something to us like try to mess with that HELOC so they can attempt to take our house away? Maybe I'm just being paranoid, but I have lost all trust and faith in Bank of America. In the meantime we will suck it up and pay the $2100/ month.

We had a 60 day closing. That is twice as long as a “regular” 30 day closing. We did not close until yesterday, day 69, at 6:30 PM (even though the original time scheduled for the closing appointment was 3 PM – they even hardcore stumbled at the FINISH LINE) following the issuance of TWO closing extensions to our seller. Our loan officer was incompetent to say the least. During our 60 day closing, it came to light that he did close to NOTHING. I sent him numerous documents multiple times – via email and posting to the online mortgage portal – that following our closing date he claimed never to have received. Even though I have a thorough email record to document that some items were sent to him four and five times!

Our case was escalated to a sales manager on Monday 5/9 (our original closing date) as our loan officer called us the Friday before – 5/6 – basically saying “there is no way the loan is going to close on time”, even though he had never given ANY indication that he was even behind up to that point. I called him literally every day that week (again, I have phone records) and he screened my calls, emails, and texts, failing to contact me in any way until approximately 2 PM that Friday afternoon. That weekend we went out of town for a trip and it was basically ruined because we were frantically calling Bank of America trying to get a manager on our case. As mentioned, no one contacted us back until Monday.

When the sales manager took our case it was revealed that we had never been charged for our appraisal, which I had obviously noticed, even though I provided my BANK OF AMERICA CREDIT CARD information to the loan officer TWICE. I can’t even mention all the things the sales manager had to do that should have been done weeks or months before. One that comes to mind is that they did not have our 2015 tax transcript from the IRS, even though 2013 and 2014 had been successfully obtained. Why didn’t they order them all at the same time, even though we signed the 4506-T for all of them? I don’t know. But I found out about it on Friday afternoon 5/13 and called the IRS myself, waiting on hold for 3 hours, obtaining it myself. The bank told me they had ordered it Friday morning and it takes “24 to 48 hours to get back” and no way I was waiting that long for them to do something they already had 60+ days to do.

The stumbling block at the closing was that the bank’s closer hadn’t sent the final purchase documents to the title officer. I had to scramble communicating with both parties myself to help get it resolved. I did not have the amount needed for the cashier’s check until literally 4 PM (the time Bank of America closes) the day of my 3 PM closing. AFTER THAT it was revealed at the closing table that Bank of America made the closing documents for the wrong amount. They did not include a $3,000 seller credit that they were supposed to. As we were literally signing documents we had to wait again for Bank of America to resend them and give us our $3,000 back. If you are getting a home loan, go literally ANYWHERE ELSE. DO NOT USE BANK OF AMERICA. THEY ARE TERRIBLE. Buying a home is supposed to be at least a little bit enjoyable, and I am really just glad it is over.

If you are like me and all they needed was an additional piece of paperwork that they now require when you have already given them everything plus additional paperwork then the joke really is on you. My advice, don't bother. There are banks that actually want your business and I have a lot of business with Bank of America and I will no longer be using them as my go to bank. It was convenient that they sent me all the letters in the mail with their pre-approval but the inconvenience of dealing with their customer service outweighed the convenience of their pre-approvals.

I don't understand why people like this get to be thugs and that it is okay in the justice system. The CEO, Brian Moynihan sleeps pretty well at night with his 13 million a year salary. What a POS and he has the gall to call himself a Catholic. With that kind of money he must own his own confession booth with a revolving door with his very own priests to absolve him of his sins every 5 minutes.

BofA also encourages people to foreclose and do you know why? Well hold on to your hats and here's a little secret. They have taken out loan default insurance on our homes... at least 5 policies. That means for every home that goes into default and foreclosure they collect $1,000,000,00 (one million dollars) if not more. So I ask you people out there... does it make your blood boil? How do we as a society have justice on our side, what can we do? The fact of the matter is from the President on up... Yes on up... The top families run this country and really don't care at all. They don't have a conscience and most of them are clearly not God fearing people. With that kind of money we are outside of the castle walls looking in. Bank of America does not care about you, me or anyone else... They are without conscience and goodness. So we move on with our lives and try to survive the turmoil and lies they spin.

A possible SOLUTION... If everyone collectively took their money out of Bank of America at the same time perhaps they'd get the message and get back on point and actually care and help their customers. Imagine closing your account and saying goodbye to this unconscionable bank with all their robots in it. I did it and it felt great! I took my money out long ago and am only stuck with a crappy mortgage. I now support my local credit union, they seem to want to help. If you can take your money out of Bank of America it will do us all a lot of good in the long run.

The loan specialist was nice but completely incompetent. The loan officer who was all milk and honey until I signed off on the loan was subsequently patronizing and all smoke and mirrors when I raised any questions at all or informed him that I was aware of my rights as a consumer. All In all, it was an utter comedy of errors and would have been funny if it didn't have the potential to cost me thousands of dollars and considerable stress. One of the worst experiences with a mortgage company and if I had to do it again would never go with them although they are my bank.

Foreclosure, the Bank of America, the superior court clerk and maybe even the judge, never check to see if the foreclosing entity had any standing to pursue and just allowed it to run through the court system. Since I now know that the Bank of America is acting with no owner behind it, I am suing them for illegal collection of unsecured debt, fraud, misrepresentation, mail fraud, RICO violations and any other violation I can pin on them. I am writing this to tell anyone that is facing foreclosure, needs to write to the named plaintiff and ask them if they have standing to foreclose, I guarantee that they don't, especially if your loan mentions a Wall Street investor with a certificate pass through number!!!

What that means is that your note was slice and diced, pooled and serviced and bundled into mortgage backed securities and your original note no longer exists as they cannot put Humpty Dumpty back together again, so if they are attempting to foreclose, do not take them at their word. They lie, cheat and attempt to steal a home they are not entitled to!!! All of you facing foreclosure or behind on your mortgage need to check your county documents and see to whom the loan was assigned and then write them and simply ask the entity, what their standing in with regard to your loan. It is that easy and 90% of all loans were securitized, which simply means that!!! Please do you due diligence and do not allow them to lie to you and then illegally, without standing take your home. It is apparent to me that the courts, the attorneys and the banks are not even bothering to check the paperwork for its validity and are allowing these foreclosures to proceed!!!

Today, I received a letter from BofA stating that *they/BofA* had rejected my application for various reasons, which is a misrepresentation of what actually happened, really a lie of what actually transpired. I have it in writing. Needless to say, I will be refinancing my mortgage and opening accounts with another bank as soon as I am able. I wanted to notify ConsumerAffairs of BofA's shady practices. I used to be a loyal customer. No longer!

I was told by the disappointed agent that HELOC's could not be refinanced until they were less than 12 months out. So...call back when the balloon is due in less than 12 months. We get to the 12 month date and I once again start to take steps to remedy my impending problem. I am now told that I have a very common problem and that they are not doing refinancing on these until they are 6 months out. I decided that perhaps it made sense to do my primary and the HELOC together since both were with BOA. I am told that I don't qualify.

I asked the agent if I had ever been late with a payment. Answer: No. I asked if I overpay my primary and the HELOC each month. Answer: Yes. I asked if my credit report showed that I had ever been late with anyone. Answer: No. I asked if my credit rating was good. Answer: Excellent. I asked if there was significant equity in my home. Answer: Yes. So I replied, "if I can pay $2300/month plus another $400-500 toward the HELOC each month and I have equity in the home and have never been late with anyone, why would BOA state that I am not qualified to REFI down to a total of $1800/month?" My rate on the primary was over 8 at this time. I was going to reduce my mortgage obligation by roughly $1000/month. Of course I was qualified to pay $2700-2800/month to BOA, but the underwriter had concerns about my ability to pay $1800/month. It was completely and utterly illogical.

Work is going well. Bills are being paid. The HELOC hasn't been touched other than to make payments toward the amount. The equity in our home is steady. I overpay on EVERY bill and am sometimes 2 months ahead on payments. I contact BOA to work on the refinance again. This time we were just a couple of months from the balloon payment. BOA works on it and I continually express my concerns about going over the due date. I am assured that since I am working with BOA it won't be an issue even if the loan isn't done in time. Alas the loan is done roughly 60 days after my balloon payment is due. I continued to make payments on the account. Payments on the account were accepted by BOA during the 60 day period. Once again, I overpaid and never missed a payment (except the balloon payment).

I assume that all is good. The loan is done. They gave us a 15 year repayment plan. Payments are being made. We decide to do a refinance on our principal mortgage and find out that the HELOC has had a major impact on our credit. We went from being over 800 on the bureaus to under 650 on some. The only negative mark on our credit is the BOA HELOC issue (and a contested issue with my wife's dentist for less than $100). I have had multiple accounts with BOA and never had an issue. I really like the people at my local branch. I have always paid my bills and was diligent in attempting to remedy an imminent situation, but BOA was not helpful and, in fact, delayed the process which resulted in a major hit to my credit rating. Color me very disappointed and unhappy with BOA over this.

I had already purchased another homeowners' policy with yet another insurance company therefore I had to file the claim through the company they used for the lender placed insurance. This is to protect them of course not us. Today I find out that my entire roof needs to replaced due to wind and hail damage. Bless their hearts they will cover the roof damage. Kicker is after the 2,000.00 deductible there will not be enough to even cover materials... Plus they keep some of the money until after the work's completed. I've read a lot about people having problems with modifications as well as I did but has anyone else encountered the escrow mess??? I've called and been told I didn't have one?? So where was my money going, then call back and told I did have a escrow account. Yet my taxes and homeowner's insurance is constantly screwed up!

I'm at a complete loss. I was a Peace Officer injured in the line of duty and have been through 17 major surgeries. I cannot wrap my head around how they can get away with all they are doing. Has anyone found an Attorney willing to file a class action suit against them? I again contacted yet another Attorney. Today 1/9/2016 I know it's going to rain, just hate not knowing what to do. Anyone's advice would be greatly appreciated.

I call today to ask why the payments continue to come out and the response was that I have to request it be reviewed and they will - you guessed it - send a letter in 7-14 days with their decision. $14K in insurance payments over 5 years for a mortgage holder with exceptional credit. And now that the payments are fulfilled (according to earlier letters mailed to me), I now have to request the payments' stop. With no understanding how or if the "overpayments" will be credited back to me. And by the way, I was hung up on today after explaining my disappointment in the handling of this matter. And no one from Bank of America has called back to apologize or to summarize our conversation. I guess I may or may not receive a letter about that in 7-14 days. This is robbery on the part of the bank. Extremely disappointing that there has been so-called mortgage-reform in my lifetime. Doesn't seem reformed at all.

I have a notion that Bank of America did this to stop me from paying down the principle at a more rapid rate. This would ensure Bank of America would get the maximum amount of interest over the period of the loan. Monday I will be contacting some people that are more informed than I about these things and looking for a mortgage company to refinance.

She wrote a letter to confirm this. Yet they still insist is a part of our income. I asked numerous people what do you require as proof. Received no answer. Bank of America is heartless. They make no effort to work with the handicapped or elderly. From letters they have sent phone conversations we can feel free to sell our home. Every time I have dealt with them am repeatedly asked "has house payment been sent in", even though we have never missed a payment.

We applied, qualified and were approved and by August 09 we started modification payments, completed the required TPP (trial payment plan) and waited for the next step in the process - The PERMANENT. Which we never received. However, 4 months later the bank sent a denial letter stating we made too much money denied the permanent terms. There was no information to substantiate the amount (which was 2x our earnings) but when we tried to discuss it; the bank stated we only had a 30 day window and since it was 4 months we could not appeal. Not taking responsibility for the error or the delay in the notice.

From that point on the legal firm was little to no help; they eventually went out of business leaving me with no options and the bank was starting to foreclose; however we kept making out modification payments (which we could barely afford) and contacting the bank on a regular basis to help us. Eventually, we did find a lawyer and he did manage to get the foreclosure delayed, so we are still in our house.

and some people LOST their homes entirely and had to start all over again. I will fight until I can't fight anymore.

Move forward four years, BoA sold our 1st mortgage to Seterus so we started the modification again. Surprise, months later we were offered a trial modification for 40 years at a lower interest rate which is what we originally wanted. Unfortunately they added $148,000 fines to our mortgage which meant that our trial modification was $400 more a month than what were originally paying. If the 1st mortgage was modified from the start and they added our 2nd to it, we could have been able to afford our modification. At this time, our trial modification is 72% of our income. How can this a modification and how would our loan be approved after the trial period.

Yes, the attorneys cost us money but the bank and modification guidelines cost us more because we have to move from the home we created. If the bank would have offered a modification right away or removed the fines, we would be able to keep our house. Now we find out that under the mortgage guidelines, we won't be able to get a loan for a period of time even though we have close to a 700 credit score with no debt. Making home affordable didn't work because we are out of our house after 20 years and renting a house will cost us more than what our mortgage was. How can the system allow this? Our only hope is that other people keep fighting and hopefully win.

Well - we knew something was fishy and finally got fed up and reached out to HUD - FHA Servicing. This was in December of 2015. The HUD representative told us that what BOA was doing was absolutely incorrect and that we were qualified for the program. The analyst opened a case and intervened on our behalf, recommending to BOA that they approve us for the program. Miraculously, without us having to submit any further documentation - on January 11, 2016, BOA finally approved us for the Special Forbearance Program...for the next 12 months!

Bottom line - if BOA is not willing to help you - and you have an FHA mortgage and need assistance...GO OVER THEIR HEADS! Their employees are incompetent - and that is putting it mildly. The fact that we had to go to another agency to have them enforce policies that are already in place is unacceptable - if not downright fraudulent. Instead of trying to work with their borrowers, they create extremely frustrating and hostile environments. Had it not been for our personal due diligence, we would have lost our home. If you have an FHA backed mortgage - stop listening to the lies and incompetence of your lender. Call FHA servicing center directly!

My family and I have been forced to live in a high rental property for the next few years, unable to save, credit damaged from the short sale and feeling unaccomplished as a homeowner. My point is there are a lot of homes that are falling into foreclosure, and people who have fallen into predicament like me and my family should be allowed to rent and later purchase such properties as a second chance. I am really disgusted with the way the process ended. I feel with proper help from BOA our home could have been saved.

The experience was too absurd to be real. Fast forward to November of 2015. I lost my job and one of the first calls we made was to BofA asking if we could work something out with them so we would not lose our home. We began providing the documents that were required and once again, they seem to lose them, want new documents that they did not originally ask for and repeatedly ask for information that does not make sense. The latest is that they are asking about the bonus my husband received in November. He did not receive a bonus. There is no bonus on his payslip and our representative who is supposed to work closely with us does not answer her phone or email.

Each time I call, another representative looks quickly at our account and tells me what I need to provide despite all of the documents being submitted, often repeatedly and then says that they can set up an appointment with our rep but that they do not have the ability to transfer calls. I have been stood up for the last two appointments. Totally at a loss for what to do and feels like they are setting us up to lose the house.

Most of my documents were either lost or not processed correctly. Those that were processed had all the wrong income figures. They literally made mistake in their calculations and did not want to accept responsibility. Even when I found knowledgeable individuals to explain their mathematical errors, their response was, "This is what it is," and that they were not going to correct them. They dragged the process for such a long time that we were going to lose the house to another buyer and the sellers put the house back on market.

By some miracle, we started the process with another bank and within 12 days we received more than the loan we had requested from Bank of America. It was only at that time I started reading reviews to find out that all the problems we were experiencing everyone else was having. I spent more than two months collecting upwards of 100 documents but all my effort was in vain because of lack of professionalism and customer service by Bank of America.

In addition, we lost upwards of $10,000 in renting back our house, paying movers to move our furniture twice, and all the loan costs that they took upfront to process the loan. Also we lost $5000.00 credit from the sellers to close on time, not to mention countless hours that I had to spend away from my job or my husband had to spend away from his job to get documents. We have purchased numerous houses and refinanced perhaps more than 50 times and never had to deal with any problems. Only with Bank of America we had a nightmare experience. If you are considering this bank for your mortgage needs please read all the reviews and problems that everyone else has experienced obtaining a loan from them because it will save you time, money and nerves. Even one star is too high for this bank. If there was a choice I would have given zero stars.

Today I open my statement to pay January 2016 payment and I find out they increased my principal $800. I call them and they say that's what it is!!! NO NO NO I say it is wrong. After 1 hour and talking to a supervisor she looks into my paperwork and say's "OH they did not calculate it accordingly to the MOD and will have to look into it." How in hell do you not send a prior letter to the person letting them know that their payment will be $800 more. When I was in property management we let our resident know of an increase! Looking back on my paperwork my payment is almost the same now as it was before the MOD. I believe BOA wants people to fail. I will take this to every level I can and hope I can find an attorney who will help me. What a great present to get for the Holiday.

We hadn't received the perm modification paperwork. When speaking with numerous BofA reps they informed us to continue to make our payments while they sent over the paperwork. We received the paperwork for a perm modification over a year later. It was over $600 higher than the trial payments plus it added 10 years to our loan. Once again we consulted with BK attorney who said to not accept the terms. I requested in writing the difference of amount owed so I could roll it over into the BK numerous times. Needless to say they never replied until 2 years later when they file a motion to dismiss my case. Thank goodness I had all the paperwork to show the judge what was happening. I had call logs, written documents showing everything that occurred during this time. BofA claimed we owed them over $8000 in missing payments when in fact we owed them about half of that.

Because of our not so bright BK attorney waiting until the last minute to inform us about this we signed paperwork to modify our BK in order to stay in it. A year later we are still fighting trying to correct the amounts owed. I have given bank statements showing payments made. The insanity with BofA doesn't end. They notified our insurance company that we vacated the property thus they were cancelling our insurance. We had to prove we still lived in our home. We found out this is a tactic they used to try to get your BK dismissed as it is a requirement to stay in the BK. We've been with the insurance company for 9 years. The games BofA plays is surreal!!! Now the new drama and new fights...

I've been notified that Seterus is now the servicer of my loan. As of yesterday we were informed we owe late charges when in fact we have never made a late payment as it is a requirement to stay in the bankruptcy. We owe almost $3000 in additional fees since Seterus has taken over our account. Fees in which Seterus said BofA said we owe. Fees that includes property inspection fees, title costs... We have fought to keep our home, but we often ask ourselves is it worth it? The stress, blood pressure increase, grey hairs, sleepless nights is it worth the privilege of "owning" a home that the bank keeps trying to take from you?

Around 2010, the bank split my HELOC in 2, down the middle, and cut off my HELOC. By this time I had used up most of the HELOC. When the bank split the loan, they put one at a fixed rate of 7.49%, and left the other half alone as a variable interest only, and that half is set to recast in July 2016, which will take my payments from around $300 to well over $990!

I've been trying to sort this out with the bank for years, but at first they told me to leave it alone, because it's interest only, it's better for me, and that rates are so low, and that the rate will never exceed 10% anyway. In recent years, the bank has told me that I requested the loan be split, but I never did. They said I requested it verbally, but have not presented me any proof that I did.

They tell me that I don't qualify for a modification because I'll have more than enough money to pay for the loan after it recasts, but they keep ignoring the fixed rate half of the loan. I am making 3 mortgage payments on this house! I've lived in my house for nearly 50 years. My husband and I bought the house a month before my oldest son was born, and when my husband passed away in 1994, I continued to raise my youngest son alone in this home.

I've filed a complaint against BofA with the CFPB in 2013, but all they did was refer my complaint to the bank, and all that did was get the bank to be a little more responsive, but other than that, nothing has changed. I was denied, again, just a couple days ago, again, because they said I make more than enough to pay the loan when it recasts, but the "customer service representative" was shocked when I told him I wouldn't be able to afford it after paying on my first mortgage, and on the other half of the HELOC. He was shocked when he found out I'm making 3 payments on this house, 2 of them with Bank Of America. All he did was refer me to their fraud department, which referred me back to their modification department.

I filed another complaint against them with the CFPB just yesterday, but again, all they did was refer my complaint to the bank. I honestly don't know what to do. I guess the bank feels proud that they're taking advantage of an elderly woman, and all they see are dollar signs when they think about how much money they can get when they steal my home from me. I am still fighting, I have no choice. My youngest son still lives with me, and since 2008, he hasn't been able to find a job, except in a warehouse.

He can't take those jobs because of his severe asthma that he's had since he was a child. He's been learning the mortgage industry to try and see if he can make money in it. With what little money he's managed to earn over some odd jobs here and there, he's gotten his mortgage and real estate licenses. He's been trying to find out how to help me. He's managed to help others, but not many, again, because of the banks. I still don't know what to do. I'm trying everything, but it seems our government doesn't care about the victims, just the banks that caused the problem in the first place. If I could do over again, I'd never get that HELOC, and I'd take my business from Bank Of America, and never recommend them to anyone. I don't recommend them to anyone now.

Saturday Nov 14 2015 we just received a letter that BOA is raising our monthly payment to over 1740.00 claiming property taxes and insurances went up. This is ridiculous how big corporations can get away with taking people's homes, forcing people to hire lawyers when you don't have the funds to do so, raising prices etc. This is probably falling on deaf ears and eyes because the govt and big banks don't really care. In the end we had to settle for a balloon payment etc in order to keep our home. FYI, Deutsche Bank is actually the ones BOA collects for and they do not have to follow standard US guidelines. That's exactly what a CSR informed me of when I called to talk about all of this. She also informed me that BOA outsources their customer service to (work at home agents), something to think about with all of our private info already getting stolen.

So the hype they send and feed you is **. They KNOW EXACTLY what it is they are doing and their CS knows this! It's nothing but a scam on a global scale and the govt knows it and does nothing because they are in on it too. The joke is on us. Best case scenario is pay your mortgage if you can, try and sell and recoup before they get to you or try and refinance with someone else and never ever do business with BOA in any capacity.

We did some research and learned that there were some other loan types that did not require a private road maintenance agreement, such as Freddie Mac, and asked if we could apply for a different type of loan. To make a long story short, they ignored our requests for a different loan type, continued asking us to provide a private road maintenance agreement, and eventually we were denied a loan and lost the $$$ we had paid for the application, appraisal, and home inspection. It was a very disappointing experience.

When they were stringing me along they told me that if I applied for a refinance anywhere else they would not be able to help me. At first I was naive enough to believe them. As they drag me along my credit score started dropping. But before it dropped so far I couldn't get another loan I applied somewhere else and was approved. The same day the BOA folks sent me the letter of intent to accelerate, my new bank and I sent them the payoff. My "customer service manager" from BOA called me a few days later and asked why I had gone somewhere else. I can't put in print here what I told her, but you can imagine. Good luck to everyone in this situation. If you can possibly get out from under them do it!

I received a 2nd packet containing the same documents with a request that I resubmit everything because some information regarding personal property was missing. In my defense, the information was not missing; the space allotted on the form was too small for the writing to be legible. I made copies of the documentation that I previously submitted, filled out the new application for a loan modification and wrote a personal attestation advising that I did not have any money market accounts, CDs, other real estate, stocks, bonds, or intellectual property rights. A letter dated June 30, 2015 was received which stated that all required documentation had been received by Bank of America and was being processed. The letter advised that Bank of America was reviewing all of the documentation and it would take thirty (30) days for a determination to be made.

Bank of America has had my true and factual documentation since June 21, 2015. In July 2015 I began communicating with a Bank of America representative named Tiffany ** who identified herself as my case manager. Every time that we spoke on the phone she advised that for some reason my file had been closed and she was escalating a request to a supervisor in underwriting to review it. I asked how the file could be closed when I had just submitted the documents a few days prior. Tiffany ** would then make an appointment to call me the following week. The following week, the conversation would be the same and another appointment to call me the next week would be made. This cycle went on for several more weeks.

The last time I spoke to Tiffany ** was on September 8, 2015. At that time, a determination as to the loan modification still had not been made and another appointment was made to call me the next week. When I did not receive a call from Tiffany **, I began to call Bank of America daily, sometimes multiple times a day from September 11, 2015 through October 20, 2015. I would leave messages to have my case manager Tiffany ** return my call. The representatives that I spoke with said that they were sending her an email requesting that she return my calls. I never received a call back from Tiffany **.

On October 24, 2015 I decided to make a 3rd copy of the original documents that were submitted to Bank of America. I stamped the documents 3rd Copy thinking that that would surely get someone's attention. Sure enough, on October 27th, 2015, I received a call from someone named Tonya ** who identified herself as my case manager. She began to tell me that no documents had been received. I explained that I had confirmation that Bank of America had received all of the required documentation and that I had previously been in communication with Tiffany ** who was my case manager.

Tonya ** then changed tactics and told me that the documents that I had previously submitted had expired and Bank of America would need more recent documentation. I advised Tonya ** that I submitted all of the required documentation before any imposed deadlines. And that it was not my fault that Bank of America's strategy was to give me the runaround until such time as the required documentation expired; only to demand that I submit additional documents so that the cycle can began again. It is not fair, nor is it my fault, that Bank of America can ignore my request for assistance in saving my home through a loan modification when I submitted the proper required documentation in a timely and good faith effort.

Tonya ** also told me that my loan was going to be sold to another provider on November 30, 2015 and that I had to get the documents in by then. I guess that's another one of their bullying tactics. Bank of America's endgame is to make me so frustrated that I'll give up and let them take the only home that I have ever known, literally leaving me and my family in the street broken and homeless. I understand and take responsibility for my part in the circumstances that have brought me to this point. I have jumped through every hoop that Bank of America has placed before me and it is only fair and right that Bank of America does the honorable thing and review the documents that were originally submitted and accepted to make a determination regarding a loan modification application.

After a rep confirmed the amount I informed him I was making the full payment to become current. He placed me on hold and came back to say I couldnt send in that amount because they have to send me a reinstatement letter first and add in attorney fees which would make the bill larger. I said "no way, I was quoted this amount by 4 different rep over the last week" and asked to speak to someone else. The woman on the phone said the same thing. I asked very clearly "Are you saying BOA will not accept the amount I owe and wants even more money?" She said "yes. we have to add attorney fees for each day you have been in foreclosure." I asked when I went into foreclosure and she said "it was submitted today" so I have to pay fees for something that was submitted the same day I have attempted to pay over $10,000?? I was told numerous times again if I send in the $10,541.00 they will return it and continue foreclosure process.

Again I asked "so you are refusing to let me pay the full amount I owe you?" Again I was told yes. I went to a branch and spoke to a live mortgage person. They even got on the phone with BOA and said "I dont see why we are turning away almost $11,000 that would give us our money owed and keep our customer in their home." The rep then gave me the phone number of the attorney and said to call them and get the fee they charged so I can just add it to my payment of $10,541.00. I called and was told they just received my info and to email them a request for reinstatement. I did and an hour later got a response that stated "We received your request for a reinstatement quote. Please be advised Bank of America has these figures. You will need to contact them directly."

So now I call back BOA and speak to yet another rep who quotes the $10,541.00 AND that they are processing my reinstatement quote and should have it in 3 days (conveniently the day they need the payment before it requires yet another month). I explain that the attorney told me they have the amount. He places me on hold and says they do but have to get the letter together to show the breakdown of all fees. I ask why it takes 3 days since they already told me the amount due which includes late fees, and it was just turned over to attorney today so literally has one day of legal fees (not even 24 hours actually).

Still no answers and told me NOT to send in my payment of $10,541.00. Sounds like they like to play the drag it out game so they can add more and more fees. Not sure how much these attorney fees are but if they are too high, much like my neighbors, I may just keep this $10,000 and use it for an apartment and just walk away from BOA. Crooks they are.